Health Care Financing

Obstructive sleep apnea is a very common form of apnea which affects an individual’s sleep pattern; this condition causes cessation of breath or shallow breathing while asleep. Obstructive sleep apnea (OSA) occurs when there are consecutive episodes of complete or partial blockage of the upper airway during sleep. This blockage in airway causes the diaphragm and chest muscles to work harder in order pull air into the lungs and can also reduce the flow of oxygen to vital organs and cause irregular heart rhythms. Patients diagnosed with this condition often experience an array of symptoms such as daytime sleepiness or fatigue, Sudden awakenings with a sensation of gasping or choking, Restlessness during sleep, arrhythmias and are at risk of developing ischemic heart disease and other vascular related problems (Hsu et al., 2007). Several treatment options have been identified for individuals with OSA including continuous positive airway pressure (CPAP), weight loss to reduce pressure on the diaphragm, dental appliances, and surgical procedures.
This study assessed patients who have undergone the uvulopalatopharyngoplasty (UPPP) procedure to determine if their upper airways have improved after the procedure. To make this determination, researchers used quantitative video endoscopic computer-assisted measurement (CAM) to show improvement in the apnea-hypopnea index (AHI).

The researchers who conducted this study indicated that its design is prospective. Patients who participated in this research study had the UPPP procedure performed and 6 months later they underwent the computer-assisted measurement in order for the researcher to determine whether there had been any improvement in the apnea-hypopnea index (Hsu et al., 2007). It is assumed that consent was obtained from the participant of this study prior to the surgical procedure being performed. However, it is…...

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Introduction ……………………………………………………………………………………. 3 Identify and describe the three main types of health insurance in the U.S ……………..…….... 3
Describe the three methods for categorizing health insurance in the U.S……………………….. 5
Identify the three types of managed care plans and provide the pros and cons of each for the health care provider, insurer, and patient……………………………………...............................5
Describe the impact of managed care on both the Medicare and Medicaid programs.…………. 8
Conclusion ……………………………………………….……………………………………… 8
References …………………………………………….………………………….……………… 9
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There are three main types of health insurance in the United States which can be put into the following categories: voluntary health care (VHI), social health insurance (SHI), and public health care programs. Voluntary health care insurance is private insurance which is employer-sponsored insurance where an employee can receive health benefits for not just themselves but their family as well. An employee pays out a specified amount from their gross income whether weekly, biweekly, or monthly to the insurance provider of their choice. The employer pays a portion of the premium as well. Voluntary health care insurance provides services such as medical, dental, and vision as well as in and out-patient services, office visits, and prescription medicines just to name a few. This type of insurance benefits those whose are gainfully employed full-time.
Social health insurance is insurance that is sponsored by the government which can be grouped into two major mandatory programs. The first social healthcare insurance program is workers’ compensation. This program allows for covered medical costs for those who suffer an accident or injury while on the job. It reimburses a portion of lost wages due to the injury or disability while paying medical expenses. The......

...head: FINANCING AND STRUCTURING HEALTH CARE
Financing and Structuring Health Care
Health Services Organization- HSA 500
December 15, 2011
Identify and describe the three main types of health insurance in the U.S.
The three main types of health insurance are:
* Voluntary Health Insurance
* Social Health Insurance
* Welfare Health Care
According to the authors of our textbook (Williams & Torrens, 2010) “Voluntary or private health insurance in the United States can be subdivided into three distinct categories: (1) Blue Cross and Blue Shield, (2) private or commercial insurance companies, and (3) health maintenance organizations” (p. 82). Initially, Blue Cross and Blue Shield were two separate entities. Before merging in the early eighties, Blue Cross provided coverage for hospital services and Blue Shield covered physician services only. The companies under the Blue Cross and Blue Shield umbrella are licensees and operate independently of each other but all offer plans within specific areas of the country. Private or commercial insurance companies are those that provide health benefits to groups or individuals which are paid for by other parties (ex: employers, employees, unions, etc.) besides the United States government. This particular type of insurance can vary in cost and the benefits received; it all depends upon who is paying and what they are willing to cover. Health Maintenance Organizations (HMOs) are companies that manage the care between...

...
Financing and Structuring Health Care
Assignment #2
Health Services Organization – HSA 500
1. Identify and describe the three main types of health insurances in the U. S.
The three main types of are Voluntary Health Insurance (VHI), Social Health Insurance, and Public Assistance or Welfare medicine. Each type of health insurance provides medical benefits which provide payment for medical services rendered.
Voluntary health insurance (VHI) can be divided into three categories: BCBS, private or commercial insurance companies and Health Maintenance Organizations (HMO). VHI began in 1929 when Baylor teachers in Dallas, Texas contracted with Blue Cross to provide hospital coverage for three cents a day. This was the beginning of hospital coverage provided by an insurance company. Other states began to provide this same type of coverage for their employees. Since this time health coverage has been extended to provide benefits for physicians, pharmacies and other medical providers. More than 70 years later over 70 percent of the US population under age 65 has some form of VHI, and more than 90 percent of these have health coverage linked through employment.
The United States mandates two social health insurance (SHI) programs: Workers Compensation which covers the cost associated with job-related injuries, and Medicare which provides health insurance for the elderly, disabled and other special groups. Workers Compensation provides two basic benefits: cash replacement......